Oko kwathiwa, ininzi yezibikezelo ezibuhlungu abantu abazivelayo (kwi-intanethi nakwezinye iindawo) malunga 'neentlekele' zokufakela i-bankruptcy, okanye iingxaki ezingenakuphepha eziza kubhekana nazo, musa ukuzenza.
Nasi isizathu.
Xa ucinga ngokufakela i-bankruptcy, yintoni na oyikrakra ngakumbi?
Andiyi kuphinda ndivumeleke ukuthenga imali (okanye imboleko yemoto okanye ikhadi lekhredithi) kwakhona.
Ngokuqinisekileyo uza kuba nokuthenga indlu, okanye imoto okanye ufumane ikhadi lesikweletu kwakhona. Kwaye kuya kwenzeka ngokukhawuleza kunokuba ubuya kuqikelela. Uninzi lwabantu lucinga ukuba abakwazi ukufumana nayiphi na i-credit iminyaka engama-7 okanye elishumi, ngokusekelwe kubude bexesha eliza kubakho i-bankruptcy liza kubonakala kwingxelo ye-credit bureau yakho. Enyanisweni, uya kuba nekhredithi ngokukhawuleza emva kokukhutshwa kwakho.
Mhlawumbi uyazibuza ukuba ingaba njani. Emva kwakho konke, awuzange usule nje isiqendu sesilinganiso semali-mboleko? Ngubani ofuna ukufumana ithuba kuwe? Njengoko kuvela, ininzi yabathengi iya. Akukho mthetho oza kuthintela umbolekisi ukuba angakwandisi imali. Enyanisweni, kukho ababolekisi abathengisa abantu abasandul 'ukugqiba amatyala. Aba babolekisi bayazi ukuba ikhefu lakho lokugqibela lokubhankanya lilinganiselwe kwiminyaka emininzi, ngoko ke amathuba abo okulahlekelwa yimali kuwe nge-bankruptcy ayikho.
Ngaphezulu, aba babolekisi bangasebenzisa iziganeko zakho zezimali zakutshanje ukuba ulandelele inkokhelo ephezulu. Yongeza kuloo nto yokuba usanda kukhulula izixhobo ngokususa enye ityala, kwaye ngokukhawuleza uyisithakazelo esishisayo.
Iinkampani ezinjenge-Capital One kunye ne-Orchard Bank zinikela ngamakhadi aqinisekisiwe kunye namakhuseli angakhuselekanga kumatyala amva nje.
Abaninzi bam abathengi bam baxela ukuba abathengisi beemoto zendawo bayabathumela iileta ezinikelayo zokubanceda ukuba bavuselele kwakhona iitaliti ngeendlela ezintsha zokusetyenziswa kwemoto. Enyanisweni, abaninzi abakbolekayo banokufumana umboleko we-FHA emva konyaka omnye, kunye ne-VA mboleko emva kweminyaka emibini.
Ngokuqinisekileyo uya kuhlawula ngaphezulu kwekhredithi ngokukhawuleza emva kokuphawulwa, kodwa kungakapheli iminyaka emibili okanye kunjalo, kunye nerekhodi ecocekileyo ngaphandle, umlinganiselo wakho wekhredithi unokunyuka kwizinga elihloniphekileyo eliza kukuvumela ukuba ufumane kakuhle, , iirhafu zeerhafu.
Nazi ezinye:
Indlela yokulungisa iNgxowa-mali yakho emva kweBhanki
Iingcebiso zokulungisa iNgxowa-mali yakho emva kweBhanki
Indlela yokuphucula umlinganiselo wakho weNgxowa-mali emva kweBafishishcy
Ndiza kulahlwa yipropati yam.
Kwimizuzu engama-2 (2%) eentlawulo zebhanki ziya kubakho umntu onetyala ukuba aphendule nayiphi na impahla kwi- trustee ye-bankruptcy . Kwiinkcukacha ezininzi, iipropati zabo kunye ne-equity kwi-real estate yabo ziya kukhutshwa kwi-revenue . Urhulumente ngamnye unesicwangciso sokuxolelwa okanye usebenzise iskimu kufakwe kwimithetho ye-bankruptcy. Ngokona nxalenye, le mixolelo iya kuba negalelo ngokwaneleyo ukukhupha ipropati yakho.
Kwiqela elincinci elingaphantsi kweempahla ezivumelekileyo, ummeli onokuxhamla umthengi unokuhlala esebenza nabatyala ukuba baguqule impahla engeyiyo ikhutshwe (njengemali-mali) kwimpahla engekho (njengokongiwa komhlalaphantsi).
Nantsi inqaku elichaza ngakumbi malunga nokuxolelwa: I-Future of Asxempt Assets kwiSahluko 7 .
Abahlobo bam, intsapho okanye oogxa baya kufunda.
Oko abahlobo bethu nabathandekayo bacinga ngathi kuthi sisikhuthazayo esinamandla. Uloyiko lokuba ukufakela i-bankruptcy kufakela ulwazi lukarhulumente. Kwabaninzi, uxinzelelo lokujongana nabaqokeleli baqokeleli be-bnoxious pales xa kuthelekiswa nokuba kungenzeka ukuba umntu esaziyo uya kufumanisa ngecala lethu lokubhankqalaza.
Amatyala e-Bankruptcy amarekhodi enkundla kawonkewonke, kodwa ngokubanzi ulwazi malunga necala lokubhankqalaza alupapashwa ngokubanzi ngaphandle kokuba liba liendaba. Ababolekisi beefayile baziswa ngeposi, kunye nearhente ezithile zorhulumente, kodwa iintsuku zokupapasha igama lomngcipheko kwiluhlu kwizaziso zomthetho zephephandaba lendawo (ikakhulukazi) lide lide.
Amathuba abantu obaziyo ngokufumanisa aphantsi kakhulu, ngaphandle kokuba uzixelele.
Mhlawumbi kunokukunciphisa ukuba uyazi ukuba malunga nabantu abadala abayishumi baya kufaka i-bankruptcy ngexesha elithile kwixesha lobomi babo. Ngoko, ngokuzayo xa usesontweni okanye kwintsapho udibana okanye ude ujonge umdlalo kunye nabahlobo, cinga malunga nokuba nethuba elithile umntu ohleli kufuphi nawe okanye uya kufaka i-bankruptcy. Unobungqina obuhle.
Ukuze ufunde okungakumbi malunga ne-bankruptcy kunye nomsebenzi wakho, sifunde Ngaba kuya kuphazamiseka ukuchaphazela uYobhi wam okanye umsebenzi wexesha elizayo?
Ukuhlaziywa kweJanuwari 17 nguCarron Nicks.